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tv   Book TV  CSPAN  March 25, 2012 2:30am-3:45am EDT

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pressure. i mean, it's really a matter of trying to change the political leadership in your state if you don't like the way that it is acting on this, and we'll just have to see how that plays out. it's possible that the leadership of these states keeps being uncooperative they might start to hear from their constituents people saying hey, we need help, we can't get insurance, it's not going to make any sense if these benefits are going to our neighbors in the next state over. we want these benefits, too, so stop doing this. it is also worth noting that it is possible that these legal challenges of the mandate of the main provisions of the law will have to see if they actually go anywhere. there is a lot of constitutional law folks who don't think these challenges will go very far. you can never say for sure but it is possible they might fade away as legal challenges. i think the real more pressing
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concern is that the states where the political leadership is not onboard is not going to be dock enough to sort of make sure that the law works, not being encouraging people to observe the mandate and it is possible that the new system isn't going to work well in their state. that is more of a concern than the actual legal challenges in my view. host: rayon the independent line. guest: i enjoy your show. i have a question about workman's compensation. businesses are required to furnish that for employees ysm not let the employee pay half the cost and go ahead and extend workman's compensation to the entire family and they get 24 hours a day, 7 days a week? >> well, once i finished this book and read the law, i don't think worker's comp is included in the law. there is a lot in the law i should add that is intended to
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help employers, especially small employers. one of the first provisions that that is it is going to affect is a fairly substantial credit that that is going out to small businesses to help them buy insurance, businesses of, i believe, under 25 employees or it might be -6b 0. i will have to double-check, but they're going to be getting credits, businesses that have employees making under $50,000 a year on of average. this he will get fairly large cred its to help them buy insurance. there is a lot in the bill for going beyond that and try to ease the burden on employers. the employers will be rieshed to provide coverage, employers of a certain size, of 100 employees or more will be rieshed to provide coverage. it is worth noting that most employers of that size do provide coverage. it is in the small business sector that you see a lot of non-coverage, and those smaller businesses are not going to have
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to provide coverage. they're going to get help to do so but they don't actually have to. host: don on the republican line. caller: good morning. could you sort of explain specifically what it is that the attorney generals are actually suing for? i think there is a misconception and perhaps maybe you can clear it up that they're suing to reform the healthcare bill. host: to overturn it, you mean? caller: correct. but what they're actually dealing with are specifics of the bill that actually mandate that the state is going to have to pick up certain medicare or medicate patients as well as the fact that the national government, the federal government is trying to mandate or tell individuals that they have to have healthcare. guest: good point. they're raising several different claims and some states are raising some claims and others are raisings others. some are just objecting to the mandate saying that the mandate that we all obtain insurance is
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unconstitutional. some are coming it from a states' rights standpoint saying it is unconstitutional for the federal government to require states to set up these new marketplaces, and also, you know, not right for the federal government to take on more medicaid patients. a big part is that we will expand medicaid by a lot, by about 15 million people, expand it up to 133% of the poverty level. anyone below that level is going to qualify for medicaid. it is worth noting and this has gotten lost a lot in the discussion that a lot of states that right now have stringent medicaid threshholds, basically the states that don't let a lot of people in to medicaid, they are going to have to be sened a whole lot more people into medicaid which they're very worried about but they're going to get massive help from the federal government to do so. right now the federal government picks up only about 50, 60, 70%
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of medicaid costs on average. under this new law, all these new people coming into the medicaid system will be covered at 100%, the federal government will pick up the first couple of years and that's going to go down to 95% or so over the next two years so states are going to be getting just tremendous surge of federal dollars, and in a way it is the states that have the most stringent medicaid eligibility until now that are going to be making out the best because they're going to get all this federal help to pay for people who noth ore states, states that have been more generous, those states will be getting lower reimbursements from the feds to keep covering those people. host: brenda on our democratic like in north carolina. caller: good morning. i've got a couple of questions i would like to ask you. i went on-line on the internet
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checking insurance companies to see what was available and the companies that i talked to were more like discount insurance rather than insurance with major medical. i do have preexisting conditions, and i need to know is the state going to set it up with the major medicals along with everything else so i can get insurance? guest: you're really a classic example of someone that this law is meant to help. come 2014 -- i know you're dealing right now in the present, but 2014, the whole idea is that you are going to have a much more sort of easy to use and easily understandable marketplace to go buy insurance. you're not going to be out there alone on-line going around looking to see, gosh, is this what i need? what does this provide? right now, as you know, it's very difficult to figure out this marketplace on your own, especially if you're in a state
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that is not well regulated. come 2014, it's going to be like really kind of easy comparison shopping. your state will have this new marketplace where it will be all transparent. you will have cheer price levels -- clear price levels, clear explanations of what each product gives you. that's how that works. in the interim, your best bet will be the high-risk pool that will be set up to service a bridge. as i said, there is real concerns of how that's going to work but hopefully it's going to work ok for most people in your situation with preexisting conditions. host: david in clinton township, michigan on the independent line. caller: good morning, america. i heard a woman call in and said she was attending tea bag parties and then she started to say she was complaining about her medicare coverage. now, if i'm not wrong, these tea party conventions rally against
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socialism, and medicare, social security, farm subsidies, those are all little bits of socialism that america has had all along, so i know that -- how can you suck on a socialist tit and complain about socialism but then most tea party members fell off the republican bandwagon so hypocrisy is in their playbook. host: former republican donna in augusta, georgia. guest: good morning. first thing i would like to ask you a question about, i'm on medicare and medicaid. it's hard for me to find doctors now. some of them won't even accept my medicare. also, the doughnut hole, it doesn't start until ten years, right, and the other insurance doesn't go into effect until four years, and another segment of my statement i would like to
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say is i'm losing my cardiac thoracic surgeon, the one that has saved my life from cancer four times. i also have other doctors that are retiring because of the healthcare bill. could you comment on that, please? guest: the -- you're right. there is a concern about doctors , access to doctors and doctors accepting medicare and medicaid. right now, as you know, it is more of a problem with medicaid. medicaid rates are lower than medicare reimbursement rates. you are seeing doctors stopping accepting medicaid patients. the law does try to deal with this by increasing substantially the medicaid reimbursement rate for primary care visits to doctors who get paid more. basically they will be brought up to the medicare level from what had been the lower medicaid level. as far as medicare goes, there are some doctors who are no
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longer accepting medicare patients but it's been somewhat overstated as a problem. it is with medicaid it is more of an an issue. as far as the doughnut hole, you may have misunderstood what i said earlier. it phases in the closing of the doughnut hole phases in over the coming decade but it's ramped up quickly. you will get a $250 check in the coming weeks to help with that if you're in the doughnut hole and then it starts closing. the window starts closing right away, in the next few years, so i have to double-check, but i'm pretty sure that within four years or so, it's going to be down to, you know, much, much smal
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